住房政策与家庭财富积累:公积金到底有多重要?  

Housing policy and the Accumulation of Household Wealth:How Important is the Provident Fund?

作　　者：毛丰付[1] 韩爱娟 柳津妮 

机构地区：[1]浙江工商大学经济学院,浙江杭州310018

出　　处：《郑州大学学报（哲学社会科学版）》2017年第6期54-59,共6页Journal of Zhengzhou University:Philosophy and Social Sciences Edition

基　　金：国家自然科学基金"住房政策对劳动力迁移的影响机制及政策模拟:基于获取能力的视角"(项目编号:71273235);教育部人文社科重大攻关项目"建立公开规范的住房公积金制度研究"(项目编号:14JZD028)

摘　　要：从住房所有权、住房面积和家庭财富三个方面,考察住房公积金制度对家庭财富积累的影响:公积金制度有效实现了支持城镇职工拥有住房的政策初衷,对拥有住房产权具有显著促进作用,对家庭财富积累也有正向作用;但是,使用公积金的家庭住房面积相对较小,在衡量家庭财富积累上,行业收入的影响远远超过公积金。对于公积金制度的改革,一是要进一步明确定位,不能对公积金制度寄予不切实的期望,二是根据家庭类型实行差异化的公积金标准,三是完善住房金融制度和保障制度,实现多项制度的统筹联动。最终使公积金制度向扩大受益面,服务中下层,兼顾各项保障的方向发展。This paper examines the impacts of housing provident fund system on the accumulation of household wealth from the aspects of housing ownership,housing area and household wealth.The provident fund system effectively achieves the original intention of policies of supporting urban employees in owning housing,has a significant role in promoting the ownership of housing and contributes to household wealth accumulation.However,the housing area of families who are funded by provident fund is relatively small and the impact of the industry income far exceeds that of the provident fund in measuring the household wealth accumulation.For the reform of provident fund system,first is to further clarify the position and not to impose unrealistic expectations on provident fund;the second is to implement differentiated provident fund standards based on the type of family,the third is to improve the housing finance system and security system to achieve the coordination of a number of systems,eventually making the provident fund system expand the benefit side,serve middle and lower classes and take account of various safeguards.

关 键 词：公积金 财富不平等 住房政策 收入分配 

分 类 号：F293.31[经济管理—国民经济]